How Long to Get First Premier Credit Card in Mail

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If you are in search of a credit card to build or rebuild your credit history, the First Premier Credit Card may be a viable option for you. First Premier Bank, a reputable financial institution, offers this credit card to individuals with various credit profiles. Understanding the process of obtaining the First Premier Credit Card and the time it takes to receive it in the mail is crucial for potential applicants. This article aims to guide you through the application process and provide insights into the timeframe for receiving the card.

Understanding First Premier Credit Card

The First Premier Credit Card is designed to cater to individuals with limited or less-than-perfect credit histories. It offers an opportunity for those who may have been declined by other credit card issuers to establish or improve their credit scores. As a secured credit card, it requires a security deposit, which also serves as the credit limit. This reduces the risk for the card issuer and increases the likelihood of approval for applicants.

Benefits of First Premier Credit Card

Before diving into the application process, let’s explore the benefits of the First Premier Credit Card. These include:

  • Credit Building: By using the card responsibly, you can positively impact your credit score over time.
  • Wide Acceptance: The card is accepted at numerous locations worldwide, making it convenient for everyday use.
  • Credit Limit Increase: With responsible use and on-time payments, you may qualify for a credit limit increase in the future.

Application Process

The process of applying for the First Premier Credit Card is straightforward, and there are multiple ways to do so:

1. Online Application

The online application is the quickest and most convenient way to apply for the card. Simply visit the First Premier Bank website, provide the necessary information, and submit your application electronically.

2. Phone Application

Alternatively, you can apply for the card over the phone. Contact the First Premier Bank customer service line, and a representative will guide you through the application process.

3. Mail Application

If you prefer traditional methods, you can request a physical application form to be sent to your address. Complete the form and mail it back to the bank.

Approval Timeframe

After submitting your application, the approval process typically takes a few business days. In some cases, you may receive a decision within minutes if you applied online or over the phone. However, the bank may take more time to review applications received through the mail.

Activation and First Use

Once your application is approved, you will receive your First Premier Credit Card by mail. Upon receiving the card, you must activate it before use. Activation can usually be done online or by phone, following the instructions provided with the card. Once activated, you can start using the card to make purchases and build your credit history.

Tips for Building Credit with First Premier Credit Card

To make the most of your First Premier Credit Card and effectively build your credit, consider the following tips:

1. Responsible Credit Card Usage

Use the card responsibly, only making purchases you can afford to repay on time.

2. On-Time Payments

Consistently make on-time payments to demonstrate your creditworthiness to creditors.

3. Avoiding High Balances

Keep your credit utilization low by avoiding high balances on your card.

Common FAQs

1. What is the minimum age requirement to apply for a First Premier Credit Card?

To apply for a First Premier Credit Card, you must be at least 18 years old.

2. Is there an annual fee for the card?

Yes, the First Premier Credit Card has an annual fee, which will be deducted from your initial credit limit.

3. How do I check my application status?

You can check your application status online or by contacting the customer service helpline.

4. Can I increase my credit limit?

Yes, with responsible credit card usage, you may qualify for a credit limit increase.

5. What do I do if my card is lost or stolen?

In case of a lost or stolen card, promptly report it to First Premier Bank’s customer service to have the card deactivated and request a replacement.


Obtaining a First Premier Credit Card can be an essential step in building or rebuilding your credit history. By understanding the application process and the time it takes to receive the card in the mail, you can better plan your credit-building journey. Remember to use the card responsibly, make on-time payments, and avoid high balances to maximize the benefits of this credit card.

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